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Relay review (2026): pricing, fees and who it's for

Online business banking with up to 20 checking accounts, savings, bill pay and invoicing.

By the OwnerUnlocked team · Facts checked Oct 4, 2026 · How we rate · Partner links

8.8/10
OwnerUnlocked score
Best for: Owners who split income into many accounts
Cost for a new business 35%10.0
free plan
Owner ratings 30%9.2
4.6/5 average across public ratings
Spanish and support 20%5.0
English only
Openness 15%10.0
published prices, free plan or trial, app
Starting priceFree plan
Free plan or trialFree plan
SpanishEnglish only
SupportChat and phone M-F 9am-8pm ET; 24/7 virtual assistant
Mobile appYes
Public rating4.3/5 · Trustpilot (3,726)

Good fit if

Owners who split income into many accounts

Pick something else if

You need Spanish-language help; Relay's chat and phone support are English-only.

What we like

  • Up to 20 checking accounts and 2 savings accounts on the $0 plan.
  • Free cash deposits at Allpoint+ ATMs and free Allpoint withdrawals.
  • Savings earn 1.19% APY even on the free plan.
  • FDIC coverage up to $3M through Thread Bank's sweep program.

Watch out for

  • On Starter, outgoing domestic wires cost $8 and same-day ACH $1.
  • Cash deposits at Green Dot retailers cost up to $4.95 each.
  • Live support only weekdays 9am-8pm ET, in English only.

Relay pricing

PlanPriceNotes
Starter$0/mo20 checking accounts, 1.19% APY on savings
Grow$30/mo1.87% APY, recurring invoices, $5 domestic wires
Scale$90/mo (limited-time; normally $120)3.21% APY, 50 checking accounts, free same-day ACH

Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.

The details

Monthly fee$0 Starter; $30 Grow; $90 Scale (promo, normally $120)
Opening deposit$0
Minimum balance$0
Interest (APY)Savings only: 1.19% / 1.87% / 3.21% by plan (as of 9/17/2026)
Cash depositsAllpoint+ ATMs free; Green Dot retailers up to $4.95
ACH transfersStandard free; same-day $1 / $0.50 / $0 by plan
Wire transfersIncoming free; domestic out $8 ($5 Grow/Scale); SWIFT $20-$25
ATMsFree at Allpoint ATMs; no Relay fee elsewhere, owner fees may apply
FDIC insuranceUp to $3M via Thread Bank sweep ($250K per program bank)
Mobile check depositMobile, free
InvoicingAll plans; recurring on Grow/Scale; cards 2.9% + 30¢
Sub-accounts20 checking (50 on Scale) + 2 savings
Connects withQuickBooks Online, Xero, Gusto, Plaid, Yodlee
CardsVisa debit (up to 50 per cardholder); Visa credit, 1-1.5% cash back

Before you sign up

You'll need

  • EIN and formation documents (LLCs, corporations)
  • SSN and photo ID for each 25%+ owner
  • Sole props: SSN plus DBA name if used
  • Physical US address (no PO box or virtual mailbox)

Do this first: Get your EIN first (free from the IRS), and have your formation papers and photo ID ready. Most banks approve online accounts in 1-3 business days. How

See where this step fits in your startup checklist →

Free option first: If you deposit cash often, a local credit union or bank branch may suit you better: these online accounts make cash deposits slow or costly.

What users say in public ratings

4.8/5

App Store · 3,662 ratings

4.7/5

Google Play · 1,331 ratings

4.3/5

Trustpilot · 3,726 ratings

Seen on Oct 4, 2026. App store ratings mostly reflect the app; Trustpilot leans toward billing and support stories.

Relay alternatives

  • 8.8/10FoundSelf-employed owners who want banking plus tax tools · Free plan Relay vs Found
  • 8.4/10NovoNew owners who want free checking linked to sales apps · Free plan Relay vs Novo

Compare all side by side

Questions

How much does Relay cost?

Starter: $0/mo; Grow: $30/mo; Scale: $90/mo (limited-time; normally $120). Free trial: 14 days.

Does Relay have a free plan?

Yes. Starter costs $0/mo.

Does Relay offer help in Spanish?

Not that we could find: the app and support are in English.

What do I need to sign up for Relay?

EIN and formation documents (LLCs, corporations); SSN and photo ID for each 25%+ owner; Sole props: SSN plus DBA name if used; Physical US address (no PO box or virtual mailbox).

Is Relay good for a new business?

It fits owners who split income into many accounts. Pick something else if you need Spanish-language help; Relay's chat and phone support are English-only.

What are the alternatives to Relay?

Found (Self-employed owners who want banking plus tax tools); Novo (New owners who want free checking linked to sales apps).

Sources

Checked Oct 4, 2026. Something out of date? Tell us. Our score is calculated from public facts; partners can't pay for a better one.